Some of those pro-consumer credit card rules that we reported on have already disappeared. That’s because our post was based on the preliminary report, but by the final version, three got chucked. Here’s the final tally:

As an aside, WaMu’s charter was under the Office of Thrift Supervision (OTS). Chase’s bank regulator is the Office of the Comptroller of the Currency (OCC). Whether being a Chase customer was your choice or not, if you ever have a major complaint about Chase regarding what you feel is on the bank’s part malfeasance, you’ll want to send it to the OCC.

Treasury Secretary Henry Paulson wants to consolidate the nation’s financial regulators into a tripartite gang that can save the economy from distress and doom. The plan to give the Federal Reserve broad new regulatory powers and streamline the regulatory community has been in the works since last March, before the start of the subprime meltdown. Paulson is worried that the U.S. markets are no longer competitive with maturing world markets, some of which aren’t hampered by nuisances like regulation. After the jump we’ll explain the consumer impact of the plan and introduce you to your three new regulators.

I’ve gotten two of these unwanted cards in the last 12 months after signing up with two different financial institutions for two different reasons. The first was a mortgage I signed, the second for a business checking account where I was the primary account user. I’ve worked hard all my life to maintain good credit, and I don’t want these things to affect my excellent rating. What should I do now?